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Terms and Conditions

About this website

This is a website operated by Avant Mutual Group Limited (ABN 58 123 154 898) under the domain name www.avantdifference.org.au. The Avant Website is operated on behalf of Avant and its wholly owned subsidiaries.

Your use of the information is governed by these Terms and Conditions and Avant's Privacy Policy. In addition to the terms contained in this document, there are also specific terms which form part of the Terms and Conditions and govern your use of and access to certain parts/sections of the Avant Website. Since you are also bound by these additional terms, you should review them whenever they are accessible by you on the Avant Website.

The medical and legal information on the Avant Website is not comprehensive and is intended to provide a general outline only. You should not act on the basis of anything contained on the Avant Website without first obtaining specific professional advice.

Avant's service provider may keep logs of your visit to this site, which may include information about your server's address, domain name, the date and time of your visit, the pages accessed, any documents downloaded, previous site visited and the type of browser used. When paying for a product or service online, Avant requires your contact information, policy number and payment details. We use a recognised payment service provider to process any payments you make using this website. This service provider is committed to protecting your personal information on our behalf.

Avant will neither identify nor disclose users of this website or their browsing pattern, unless required by law.

Avant will record your email address whenever you send us an email and use it only for the purpose for which it was sent to us.

Avant also collects personal information from you when you complete online applications for our products and services and transact with us online. If Avant collects personal information through this website it will inform you about the nature of information collected, for what purpose it is collected and how this information will be used and, if it is to be disclosed, to whom. Avant may use cookies for the purpose of collecting information.

Information about the law relates only to the laws of Australia, unless specifically stated otherwise.

Enquiries and emails

To send an email to us, or to make an enquiry online, you will need to complete an email form available on this website. Many of our online forms ask for a limited amount of personal information for contact purposes, such as an email address or telephone number. You have the choice of whether or not to provide additional personal information. Information provided to Avant either directly or indirectly through these forms will be used by Avant for the purpose advised to you at the time the information is collected, and to meet Avant’s legal obligations.

Links to other websites

This site may contain links to sites maintained by other organisations. A link from this site does not imply Avant's endorsement or agreement with the views of those sites. Avant does not provide any warranty or take any responsibility for the accuracy, source or any other aspect of those sites.

Avant is not liable for any loss or damage, however caused (including through negligence), which may be directly or indirectly suffered by you or anyone else in connection with use of this site or a linked site.

Copyright

Copyright in the material on the Avant Website is owned or licensed by Avant and its subsidiaries. If you use any information on this site you must acknowledge the source of that information appropriately.